Mortgages & Financing
Key steps to getting a mortgage in Georgia.
Pre-approval
Before house-hunting, get a bank pre-approval — you'll know your maximum amount and rate, and negotiate with sellers more confidently.
Down payment
Banks typically require a 10–30% down payment. The larger the down payment, the lower your monthly installment.
Currency risk
Mortgages are often issued in USD or EUR. If your income is in GEL, exchange-rate movements raise your payments — assess the risk realistically.
Mortgage and registration
When buying with a mortgage, the bank's lien is registered on the property. After full repayment, remember to remove the mortgage from the Public Registry.
This material is informational only and is not legal, tax, or financial advice. For a specific transaction, consult a qualified professional.